If you are making any kind of money claim, you need to know that your opponent - the defendant:

• is not in any financial trouble, for example facing insolvency
• has enough assets to pay you themselves, or
• is insured and the insurers will cover are covering the claim, 

Otherwise you will waste both your time and money. There is no one else out there who steps in and pays you if your opponent does not even if you win your case, unless they are insured.

So, you need to find out if your opponent has money or assets and where those assets are. This will affect your ability to make them obey a court order to pay you - this is known as enforcement.

In England and Wales you can bring enforcement proceedings through the courts. But if the defendant’s only money or assets are in Scotland or Northern Ireland it will be a more complicated process. And if their only money or assets are abroad, then you will need to think very carefully about whether it is worth starting proceedings against them. For more information see Civil procedure rule - Part 74 - Enforcement of judgments in different jurisdictions

If your opponent is bankrupt there may be little point in suing them, but it is always worth finding out more before making a decision, for example, they may still own a home.

If your opponent is insured or has enough assets to pay you if you win, you might want to take the next step in bringing a claim. See our other guides in this series to help you through the process.

You might want to try alternative dispute resolution (ADR) for a different approach, perhaps to get an apology or a promise that it won’t happen to anyone else. See Sort out your legal problem before or instead of going to court.

Ultimately, you may decide to do nothing knowing that you have considered your options carefully and this is the best course of action for you.

Alternative dispute resolution (ADR) – a range of options for resolving disputes, often without going to court.

Assets - money and savings and other valuable items which can be used to pay debts, for example, a house, flat, jewellery or car.

Bankruptcy – is a legal process which ends someone’s liability for debts after a certain period of time, usually a year.

Bringing a claim – starting a court process to bring a legal claim, also called taking someone to court or issuing proceedings.

Civil court – a court, usually a county court, where you can bring a claim for damages (financial compensation) against someone who has wrongly caused you loss, damage or injury.

Defendant - person or organisation the case is brought against.

Enforcement proceedings – legal proceedings to try to force someone to obey a court order, for example to pay you or return something belonging to you.

Enquiry agent – a person or business who can be hired to find someone or to find things out about someone, for example, if they have assets.

Fast track – A route through the civil justice system that the court can transfer your case to. The fast track is for claims with a value of between £10,000 and £25,000, or personal injury where the personal injury element of the claim is worth over £1,000 but the entire claim is worth under £25,000. You might also hear about the intermediate track and the multi-track. But those are for claims over £25,000 and are not covered in this guide.

Housing disrepair case – a type of legal case where you take your landlord to court for failing to repair a problem in your rented property.

Injunctions - An injunction is a court order that requires someone to do or not do something.

Insolvent – when a person or company cannot pay its debts.

Judgement – the court’s decision.

Legal proceedings – taking someone to court. This can also be known as taking legal action, going to court, or litigation.

Litigant in person – a person bringing or defending a claim without a solicitor or barrister.

Money claim – The process of taking someone to court to get a debt repaid or get some other form of financial compensation.

Small claim – Now known as court claims or money claims these are usually simple claims, up to the value of £10,000.

Suing - If you sue someone you start a court process to bring a legal claim against them. This can also be known as taking legal action, bringing a claim, bringing a civil claim, going to court, starting legal proceedings or litigation. The purpose of taking someone to court in this way is to get the court to make a decision in your favour (called ‘a judgement’) and award a remedy, usually money compensation.

Disclaimer

The information in this guide applies to England and Wales only. The law may be different if you live in Scotland or Northern Ireland. The law is complicated. We have simplified things in this guide. Please don’t rely on this guide as a complete statement of the law. We recommend you try and get advice from the sources we have suggested.

The cases we refer to are not always real but show a typical situation. We have included them to help you think about how to deal with your own situation.